:root {
  --ink: #0f1f18;
  --paper: #f7f5ef;
  --white: #fff;
  --palm: #1e4d3b;
  --palm-deep: #123326;
  --sea: #e7efe9;
  --sand: #f1e9d8;
  --brass: #a18349;
  --muted: #5a695f;
  --line: #ddd8cc;
  --display: "Fraunces", Georgia, serif;
  --body: "Albert Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; background: var(--paper); }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font: 17px/1.7 var(--body);
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: var(--palm); text-underline-offset: 3px; }
a:hover { color: var(--palm-deep); }
.wrap { width: min(1120px, calc(100% - 40px)); margin-inline: auto; }
.site-header {
  position: sticky;
  z-index: 10;
  top: 0;
  border-bottom: 1px solid rgba(15,31,24,.1);
  background: rgba(247,245,239,.96);
  backdrop-filter: blur(12px);
}
.header-inner {
  min-height: 86px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand-lockup { display: flex; align-items: center; gap: 16px; }
.brand-mcclain { width: 132px; height: auto; }
.brand-divider { width: 1px; height: 36px; background: var(--line); }
.brand-maxrev { width: 116px; height: auto; }
.site-header nav { display: flex; align-items: center; gap: 24px; font-size: 14px; font-weight: 700; }
.site-header nav a { color: var(--ink); text-decoration: none; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 22px;
  border: 1px solid var(--palm);
  border-radius: 7px;
  color: #fff !important;
  background: var(--palm);
  font-weight: 700;
  text-decoration: none;
}
.button:hover { background: var(--palm-deep); }
.button-light { border-color: #fff; color: var(--palm-deep) !important; background: #fff; }
.breadcrumbs {
  padding: 24px 0 0;
  color: var(--muted);
  font-size: 14px;
}
.breadcrumbs a { color: inherit; }
.hero {
  padding: clamp(52px, 8vw, 96px) 0;
  background:
    radial-gradient(circle at 85% 20%, rgba(161,131,73,.2), transparent 30%),
    linear-gradient(135deg, var(--sea), var(--paper));
}
.eyebrow {
  display: block;
  margin-bottom: 16px;
  color: var(--palm);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .13em;
  text-transform: uppercase;
}
h1, h2, h3 {
  margin: 0;
  font-family: var(--display);
  font-weight: 470;
  line-height: 1.12;
  letter-spacing: -.02em;
}
h1 { max-width: 880px; font-size: clamp(42px, 7vw, 72px); }
h2 { margin-top: 0; font-size: clamp(30px, 4vw, 44px); }
h3 { font-size: 25px; }
.hero-copy { max-width: 760px; margin: 24px 0 0; color: #33473d; font-size: clamp(19px, 2.5vw, 23px); }
.updated { margin: 22px 0 0; color: var(--muted); font-size: 14px; }
.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 270px;
  gap: clamp(44px, 7vw, 86px);
  padding: 64px 0 90px;
}
.article section { padding: 0 0 52px; scroll-margin-top: 120px; }
.article h2 { margin-bottom: 20px; }
.article h3 { margin: 30px 0 10px; }
.article p, .article ul, .article ol { margin: 0 0 18px; }
.article li + li { margin-top: 9px; }
.article strong { color: var(--palm-deep); }
.lede { color: #33473d; font-size: 20px; }
.key-fact, .note {
  margin: 26px 0;
  padding: 24px;
  border-left: 4px solid var(--brass);
  border-radius: 0 10px 10px 0;
  background: var(--sand);
}
.key-fact p:last-child, .note p:last-child { margin-bottom: 0; }
.compare, .cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; margin: 24px 0; }
.card {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
}
.card h3 { margin-top: 0; }
.card p:last-child { margin-bottom: 0; }
.steps { counter-reset: step; list-style: none; padding: 0; }
.steps li { position: relative; min-height: 50px; padding: 0 0 22px 54px; }
.steps li::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 0;
  top: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  color: #fff;
  background: var(--palm);
  display: grid;
  place-items: center;
  font-weight: 800;
}
.toc {
  position: sticky;
  top: 118px;
  align-self: start;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: rgba(255,255,255,.72);
}
.toc strong { display: block; margin-bottom: 12px; }
.toc a { display: block; padding: 6px 0; color: var(--muted); font-size: 14px; text-decoration: none; }
.toc a:hover { color: var(--palm); }
.faq details { border-top: 1px solid var(--line); padding: 18px 0; }
.faq details:last-child { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; font-weight: 750; }
.faq details p { margin: 12px 0 0; }
.checklist { margin: 24px 0; padding: 0; list-style: none; }
.checklist li { position: relative; padding-left: 30px; }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--palm); font-weight: 800; }
.calculator {
  margin: 28px 0;
  padding: clamp(22px, 4vw, 34px);
  border: 1px solid var(--line);
  border-radius: 14px;
  background: #fff;
}
.calculator-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.calculator label { display: grid; gap: 7px; color: var(--palm-deep); font-size: 14px; font-weight: 750; }
.calculator input {
  width: 100%;
  min-height: 48px;
  padding: 10px 12px;
  border: 1px solid #aaa99f;
  border-radius: 7px;
  color: var(--ink);
  background: #fff;
  font: inherit;
}
.calculator input:focus { outline: 3px solid rgba(30,77,59,.2); border-color: var(--palm); }
.calculator-output { margin-top: 20px; padding: 20px; border-radius: 10px; background: var(--sea); }
.calculator-output strong { display: block; font: 500 clamp(28px, 5vw, 42px)/1.1 var(--display); }
.source-list a { overflow-wrap: anywhere; }
.sources { color: var(--muted); font-size: 14px; }
.author {
  display: grid;
  grid-template-columns: 96px minmax(0,1fr);
  gap: 20px;
  align-items: center;
  padding: 25px;
  border-radius: 12px;
  background: var(--sea);
}
.author img { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; object-position: 50% 18%; }
.cta {
  padding: 64px 0;
  color: #fff;
  background: var(--palm-deep);
}
.cta .wrap { display: flex; justify-content: space-between; align-items: center; gap: 40px; }
.cta h2 { max-width: 700px; }
.cta p { max-width: 650px; color: #dce8e1; }
.site-footer { padding: 52px 0 32px; color: #dbe5df; background: #0d241b; }
.footer-grid { display: grid; grid-template-columns: 1.5fr .7fr .8fr; gap: 42px; }
.site-footer h3 { margin-bottom: 12px; color: #fff; font-size: 20px; }
.site-footer a { color: #fff; }
.site-footer ul { margin: 0; padding: 0; list-style: none; }
.site-footer li + li { margin-top: 8px; }
.legal { margin-top: 38px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.14); font-size: 13px; }

@media (max-width: 800px) {
  .site-header nav > a:not(.button) { display: none; }
  .brand-maxrev { width: 90px; }
  .brand-mcclain { width: 105px; }
  .article-layout { grid-template-columns: 1fr; }
  .toc { position: static; grid-row: 1; }
  .compare, .cards { grid-template-columns: 1fr; }
  .calculator-grid { grid-template-columns: 1fr; }
  .cta .wrap { display: block; }
  .cta .button { margin-top: 12px; }
  .footer-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .wrap { width: min(100% - 30px, 1120px); }
  .header-inner { min-height: 72px; gap: 10px; }
  .brand-lockup { gap: 10px; }
  .brand-mcclain { width: 86px; }
  .brand-maxrev { width: 72px; }
  .brand-divider { height: 30px; }
  .site-header .button { min-height: 42px; padding: 0 13px; font-size: 13px; }
  .article-layout { padding-top: 42px; }
  .author { grid-template-columns: 72px minmax(0,1fr); }
  .author img { width: 72px; height: 72px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}